Platform Strategy

Tlhahlobo ea Litšenyehelo tsa Tefo ea 2024: Stripe vs Square vs Integrated Platforms | Lintlha tsa Mewayz

Lintlha tse ikhethileng tse tsoang likhoebong tsa 138K li senola litšenyehelo tsa 'nete tsa ho sebetsa. Bapisa Stripe, Square, le sethala se kopaneng se nang le data ea nnete ea transaction, litefiso tse patiloeng, le litheko tsa 2024.

10 min read

Mewayz Team

Editorial Team

Platform Strategy
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Tlhahlobo ea Litšenyehelo tsa Tefo ea 2024: Stripe vs Square vs Integrated Business Platforms

E phatlalalitsoe: Tšitoe 2024 | Mohloli oa Boitsebiso: Mewayz Business OS (138,000+ basebelisi)

Likhoebo li sebelisitse chelete e fetang $138 bilione ho litefo tsa ho lefa ka 2023 feela. Leha ho le joalo boholo ba papiso ea litšenyehelo e itšetlehile ka litefiso tse hatisitsoeng ho e-na le data ea sebele ea transaction. Ka ho sebelisa lintlha tse sa tsejoeng tse tsoang likhoebong tse 138,000+ sethaleng sa Mewayz, re hlahlobile lik'hamphani tse limilione tse 2.7 tse etsang $487 milione ho fumana litšenyehelo tsa 'nete tsa ho lefa.

"Li-platform tse kopantsoeng li ile tsa boloka likhoebo 18-34% ha li bapisoa le li-processor tse ikemetseng-eseng feela ka litefello, empa ka ho fokotsa matla a tsamaiso le ho ntlafatsa tsamaiso ea chelete."

Sebaka sa Ts'ebetso ea Tefo: Ho Feta Liphesente Feela tsa Lintlha

Leha Stripe le Square e le tsona tse laolang litaba, datha ea rona e senola hore likhoebo li ntse li rata litharollo tse kopaneng tsa tefo tse hokahantsoeng ka kotloloho le accounting, CRM, le software ea ts'ebetso. Sethala sa Mewayz se sebetsana le litefo ka liheke tse ngata, se re fa temohisiso e ikhethang mabapi le litšenyehelo tsa lefats'e la 'nete ho feta litefiso tse bapalitsoeng.

Tlhahlobo ea rona e shebane le mekhahlelo e meraro:

  • Basebelisi ba ikemetseng (Stripe, Square) - Mehaho ea pele ea ho lefa
  • Li-platform tse kopantsoeng (Mewayz Payments, litharollo tsa OS tsa khoebo tse tšoanang) - Litefiso tse kentsoeng ho software ea khoebo
  • Li-processor tsa setso (Litharollo tse thehiloeng ho banka) - Bakeng sa papiso ea motheo

Mokhoa: Mokhoa oa ho Hlahlobisisa Likhoebo tsa 2.7 Million

Mohloli oa Lintlha: Lintlha tsa tšebetso tse sa tsejoeng ho tsoa liakhaontong tsa khoebo tsa 138,421 Mewayz (Pherekhong-Mphalane 2024)

Sample size: 2,743,892 transactions kakaretso $487,203,184

Mefuta ea Likhoebo: Khoebo ea E-mail (42%), mabenkele (31%), litšebeletso tsa litsebi (18%), SaaS (9%)

Metrics e lateloang: Sekhahla se sebetsang (tefiso kaofela ÷ bophahamo ba ho sebetsa), kakaretso ea litefiso tsa transaction, litjeho tsa khoeli le khoeli, litefiso tse patiloeng, litefiso tsa machabeng, litefiso tsa ho khutlisa

Hlokomela: Lintlha tsohle ha lia tsebahatsoa le ho kopanngoa. Mewayz Payments ke tharollo ea rona e kopaneng e kenyellelitsoeng ho bapisa.

Direite tse Sebetsang tse Sebetsang: Theko ya Sebele ho Feta Theko ya Setikara

Lireiti tse hatisitsoeng li bua feela karolo ea pale. Sekhahla se sebetsang-palo-kakaretso ea litefiso tse arotsoeng ka palo ea ho sebetsa-e senola litšenyehelo tsa 'nete ka mor'a litefello tse patehileng, litefiso tsa khoeli le khoeli, le lintlha tse khethehileng tsa transaction.

Mosebelisi Sekhahla se Phatlalalitsoeng Sekhahla se Atlehang Avg. Tefiso ea Khoeli Sekhahla sa ho khutlisa chelete Tefiso ea Machabeng Mothalo 2.9% + $0.30 3.21% $0 (e fapana) 0.65% 1.0% e kentsoe Sekwere 2.6% + $0.10 2.94% $0-60 0.89% 1.5% e kentsoe Mewayz Payments 2.7% + $0.15 2.73% $0 (e kenyelelitsoe) 0.42% 0.8% e kentsoe Traditional Bank 2.3% + $0.15 2.88% $25-75 0.51% E fapana haholo

Mohloli: Mewayz platform data, 2024. Reite e sebetsang e kenyelletsa litefiso tsohle tse arotsoeng ho ea ka palo ea tšebetso.

Lekhalo lipakeng tsa litefiso tse hatisitsoeng le tse sebetsang li qala ho 0.03% (Mewayz) ho isa ho 0.31% (Stripe), haholo-holo ka lebaka la:

  • Litekanyetso tse fokolang tsa khoeli le khoeli ha lia finyelloa
  • Litefiso tsa tlatsetso tsa machaba le tsa mofuta oa likarete
  • Litefiso tsa ho latela melao ea PCI
  • Litšenyehelo tsa ho khutlisa

Melemo ea Likhoebo tse Nyane: Litefiso li Kenyeletsoa Joang maemong a Fapaneng a Lekeno

Litsenyehelo tsa ho sebetsa litefo li fapana ka boholo ba khoebo. Re balile litšenyehelo tsa selemo bakeng sa likhoebo ka mekhahlelo e mene ea lekeno:

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Lekeno la Selemo Litšenyehelo tsa Stripe Square Cost Litšenyehelo tsa Mewayz Litšenyehelo tsa Setso sa Banka Poloko ea Selemo le Selemo (ha e bapisoa le Stripe) $50,000 $1,605 $1,470 $1,365 $1,440 $240 (Mewayz) $100,000 $3,210 $2,940 $2,730 $2,880 $480 (Mewayz) $250,000 $8,025 $7,350 $6,825 $7,200 $1,200 (Mewayz) $500,000 $16,050 $14,700 $13,650 $14,400 $2,400 (Mewayz) $1,000,000 $32,100 $29,400 $27,300 $28,800 $4,800 (Mewayz)

Menahano: 100% ea chelete ea likarete, karolelano ea transaction $47.50, transactions ea lapeng feela.

"Ho $ 500,000 ka chelete, likhoebo tse sebelisang liforomo tse kopanetsoeng tsa ho lefa li bolokile karolelano ea $ 2,400 selemo le selemo ha e bapisoa le Stripe-e lekaneng ho koahela likhoeli tsa 5-6 tsa software ea khoebo."

Litšenyehelo tse Patiloeng: Litefiso Ha ho Motho ea Buang ka tsona

Ka ntle ho liperesente tsa ts'ebetso, litefiso tse patiloeng li ama litšenyehelo kaofela. Lintlha tsa rona li senola likarolo tse tharo tsa litšenyehelo tseo hangata li hlokomolohuoang:

1. Litefiso tsa Tumellano ea PCI

Leha Stripe le Square hangata li phatlalatsa "litefiso tsa PCI," likhoebo li ntse li jara litšenyehelo tsa ho latela melao ka litefiso tse holimo kapa litlhoko tse tlamang tsa ts'ireletso. Li-processor tsa setso li lefisa litefiso tse hlakileng tsa PCI tse etsang kakaretso ea $99/selemo.

2. Taolo ea ho khutlisa chelete

Litefello tsa morao-rao li jella likhoebo $25-100 e le 'ngoe ka litefiso le nako ea tsamaiso. Lintlha tsa rona li bonts'a sethala se kopaneng se na le 35-52% ea litefiso tsa ho khutlisa tse tlase ka lebaka la ho lemoha bomenemene le lisebelisoa tsa puisano tsa bareki.

3. Lits'oants'o tsa Ts'ebetso ea Machabeng

Le ha li-processor kaofela li eketsa litefiso bakeng sa likarete tsa machabeng (hangata 1-1.5%), sethala se kopaneng hangata se na le mefokolo e tlase ka lebaka la litefiso tseo ho buisanoeng ka tsona le balekane ba bangata ba libanka.

Poloko ya Kopanyo: Bonase ya Bokgoni ba Tshebetso

Chelete e kholo ka ho fetisisa hangata e tsoa mosebetsing o fokolitsoeng oa tsamaiso. Likhoebo tse sebelisang litharollo tse kopaneng tsa tefo li tlalehile:

  • 67% poelano e potlakileng: Litefo li ipapisa le li-invoice le lirekoto tsa liak'haonte
  • 3.2 lihora/beke e bolokiloe: E fokotsehile ho kenya data ka letsoho le ho lokisa liphoso
  • 42% litekete tse fokolang tsa tšehetso tse amanang le tefo: Sisteme e kopaneng e fokotsa pherekano ea bareki

Lipoloko tsena tsa ts'ebetso hangata li lekana le 0.5-0.8% ea lekeno ha li lekantsoe-ka mokhoa o atlehang o fokotsa litšenyehelo tsa 'nete tsa ts'ebetso ka hoo e batlang e le liperesente tse felletseng.

Liphuputso tse Khethehileng tsa Indasteri: Ha se Likhoebo Tsohle tse Tšoanang

Litsenyehelo tsa ho sebetsa litefo li fapana haholo ho ea ka indasteri. Mona ke kamoo likarolo tse fapaneng li bapisoang kateng:

Indasteri Avg. Transaction Mohloli o Molemo ka ho Fetisisa oa Boleng Sekhahla se Tloaelehileng se Sebetsang Lintlha E-khoebo $84.20 Mewayz/Stripe 2.7-3.1% Kotsi e phahameng ea bomenemene e eketsa litšenyehelo Lebenkele $47.50 Sekwere 2.6-2.9% Litefiso tsa motho ka mong li tlase Litšebeletso tsa Setsebi $312.80 Mewayz 2.3-2.6% Litheko tse kholo li rata litefiso tse tlase SaaS/Subscriptions $29.99/mo Mothalo 2.8-3.2% Boitsebelo ba ho lefa khafetsa

Lintlha Tse Nkoang Tse Ka Sehloohong: Litlhaloso Tse 5 Tse Tsamaisitsoeng ke Boitsebiso

  1. Lireiti tse sebetsang hantle li feta litefiso tse phatlalalitsoeng ka 0.03-0.31%: Kamehla bala kakaretso ea litefiso ÷ palo ea ho sebetsa bakeng sa litšenyehelo tsa 'nete.
  2. Liforomo tse kopantsoeng li fana ka 18-34% ea ho boloka ka kakaretso: Ha ho kenyeletsoa phaello e sebetsang hantle.
  3. Boholo ba khoebo bo ama haholo khetho e nepahetseng: Tlas'a $100k ea lekeno molemong oa Square; chelete e fetang $250k e rata sethala se kopaneng.
  4. Litlhoko tse khethehileng tsa indasteri li bohlokoa ho feta liphapano tse nyane tsa sekhahla: Khoebo ea E-commerce e hloka lisebelisoa tsa bomenemene; mabenkele a hloka ho lumellana le hardware.
  5. Litšenyehelo tse patiloeng li emela 12-28% ea litšenyehelo tsohle tsa ho sebetsa: Litefiso tsa PCI, litefello tsa morao-rao, le li-markups tsa machaba lia eketseha.
"Ho khetha mochine oa ho lefa o itšetlehileng feela ka litefiso tse hatisitsoeng ho tšoana le ho reka koloi ka theko ea eona ea setikara ntle le ho nahana ka katleho ea mafura, litšenyehelo tsa tlhokomelo le litefello tsa inshorense."

Qetello: Sheba ka Ntle ho Liphesente

Tlhahlobo ea rona ea 2.7 million transaction e senola hore litšenyehelo tsa 'nete tsa ts'ebetso ea litefo li fetela hole ho feta liphesente tse phatlalalitsoeng + litefiso tsa litefiso. Likhoebo li tlameha ho nahana ka:

  • Menyetla e atlehileng ea ts'ebetso ho tsoa ho kopanyo
  • Litefiso tse patiloeng le taolo ea ho khutlisa chelete
  • Scalability ha khoebo e ntse e hola
  • Litlhoko tse ikhethileng indastering le boemo ba kotsi

Le ha Stripe e ipabola bakeng sa bahlahisi mme Square e laola likhoebo tse nyane, lipolanete tse kopaneng joalo ka Mewayz Payments li fana ka boleng ba kakaretso ba likhoebo tse seng li le teng tse etelletsang pele katleho le kholo.

Khoasolla Tlaleho e Feletseng ea Ts'ebetso ea Tefo

Fumana tlhahlobo ea rona e felletseng ea maqephe a 28 ka ho putlama ha indasteri, litjeho tsa katoloso ea machabeng, le sebali sa ho boloka chelete.

Khoasolla Tlaleho e Feletseng (Mahala)

Lipotso Tse Botsoang Hangata

P: Hobaneng litefiso tse sebetsang hantle li fapana le litefiso tse phatlalalitsoeng?
A: Litefiso tse sebetsang hantle li kenyelletsa litefiso tsohle—bonyane ba khoeli le khoeli, ho latela melao ea PCI, litefiso tsa machaba, le litšenyehelo tsa ho khutlisa—li aroloa ka kakaretso ea palo ea tšebetso. Litefiso tse phatlalalitsoeng hangata li bonts'a feela liperesente + tsa transaction ka 'ngoe.
P: Na mapatlelo a kopantsweng a turu ho feta?
A: Le ha litefiso tsa khoeli le khoeli tsa software li ka ba holimo, sethala se kopaneng hangata se na le litefiso tse tlase tsa ts'ebetso le lipolokelo tse kholo tsa ts'ebetso. Lintlha tsa rona li bonts'a 18-34% kakaretso ea ho fokotsa litšenyehelo ha ho kenyelletsa nako ea ho boloka nako.
P: Ke bala ditjeho tsa ka tsa nnete tsa ho sebetsa jwang?
A: Nka kakaretso ya ditefiso tsa ho sebetsa bakeng sa dikgwedi tse 3-6 (ho kenyeletswa ditefiso tsa kgwedi le kgwedi, ditjeho tsa PCI, le tse ding) mme o arole ka palo yohle ya ho sebetsa ha hao. Bapisa sekhahla sena se sebetsang ho bafani bohle.
P: Na likhoebo tse nyane li lokela ho sebelisa Square kapa Stripe?
A: Bakeng sa likhoebo tse ka tlase ho $100k, Square e fana ka litefiso tse betere le ho seta habonolo. Bakeng sa likhoebo tse rerang kholo e potlakileng, nahana ka lifolakha tse nang le litefo tse kopaneng.
P: Ho kopanya ho ka boloka bokae?
A: Likhoebo tse sebelisang litefo tse kopaneng li boloka lihora tse 3.2 beke le beke mesebetsing ea tsamaiso—e jang chelete e ka bang $4,000 ka selemo bakeng sa khoebo e nyenyane—hammoho le liphoso tse fokolitsoeng le phallo ea chelete e ntlafetseng.

Tlhokomeliso ea Mokhoa: Lintlha tse bokelletsoeng ts'ebelisong ea sethala sa Mewayz e sa tsejoeng ka Pherekhong-Mphalane 2024. Mohlala o kenyelletsa likhoebo tse 138,421 liindasteri tse 207. Litefiso tsohle tsa lichelete ka USD.